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An Analysis of SBA Loan Repayment Performance: Comparisons by Minority Group

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  • John F. Herrmann

Abstract

The purpose of this study was to identify managerial and financial variables that are related to small business loan performance. The study involved statistical analysis of Small Business Administration loans that were made by the Los Angeles District Office from 1972 through 1975. Information on entrepreneurs and their businesses was obtained from SBA loan applications, attachments, and supplementary forms. A random sample of 396 business loans provided data for this study. In five of seven pairwise comparisons between Asian, Black, Spanish-Surname, all minority, and non-minority loans, minority group classification was found to be a significant factor in the way managerial and financial variables influenced loan performance. However, when the sample was subdivided by loan program, by lender, or by both, there was no significant difference in the explanation of loan performance by minority group for any pairwise comparison.

Suggested Citation

  • John F. Herrmann, 1984. "An Analysis of SBA Loan Repayment Performance: Comparisons by Minority Group," Entrepreneurship Theory and Practice, , vol. 8(3), pages 2-8, January.
    • Handle: RePEc:sae:entthe:v:8:y:1984:i:3:p:2-8
    DOI: 10.1177/104225878400800302
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    Cited by:

    1. Ella W. Van Fleet & David D. Van Fleet, 1985. "Entrepreneurship and Black Capitalism," Entrepreneurship Theory and Practice, , vol. 10(2), pages 31-40, October.

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